Off-Farm Employment and Agricultural Credit Fungibility Nexus in Rural Ghana

This study examined the impact of off-farm employment on rural household agriculture credit fungibility (CF) using survey data collected from four regions in Ghana; however, the study paid more attention to agriculture credit received from different sources. By employing the endogenous switching regression (ESR) model, we solved the endogenous issue of off-farm employment. The econometrics model result revealed that off-farm employment negatively influences the household’s probability of practicing agriculture CF. Our results discovered the importance of off-farm employment on agriculture CF and recommended policy implications capable of alleviating agriculture CF.